Pregnant again but how do I afford it?

OrkneyStar

Steel wrote: »

Really? Hmmmm......

Well not that I have seen, honestly.
I suppose some of us may interpret posts differently though :rolleyes:.
I think some people have perhaps been a bit less congratulatory than others, but it seems in the whole people have tried to help (even if that means pointing out things that the OP might not want to hear, or at least hear worded that way!).
Anyway, we are off topic now :shhh:, so I will say again, all the best OP, lets hope that you are able to get things worked out and that daddy stands up and gives you as much support (financial, emotional, other!) that you and your children need. You sound strong so you will cope, and also enjoy being pregnant and the new life you have created .
x

splicecom

OrkneyStar wrote: »

Well not that I have seen, honestly.
I suppose some of us may interpret posts differently though :rolleyes:.
I think some people have perhaps been a bit less congratulatory than others, but it seems in the whole people have tried to help (even if that means pointing out things that the OP might not want to hear, or at least hear worded that way!).
Anyway, we are off topic now :shhh:, so I will say again, all the best OP, lets hope that you are able to get things worked out and that daddy stands up and gives you as much support (financial, emotional, other!) that you and your children need. You sound strong so you will cope, and also enjoy being pregnant and the new life you have created .
x

I agree OrkneyStar

Flipped27

Not sure if you know this but tax credits don't take into account the first £100 per week of maternity pay. So last year (my baby is one) i earned £6000 average after deducting the first £100 per week whereas I normally earn £12000. So don't panic!! :j

kindofagilr

^^^ I didnt know that lol thanks

So for 3 months of my MAT leave I am getting SMP which is £130 a week or something, so for tax credits purposes then I am only getting £30?

Flipped27

kindofagilr wrote: »

^^^ I didnt know that lol thanks

So for 3 months of my MAT leave I am getting SMP which is £130 a week or something, so for tax credits purposes then I am only getting £30?

Yep. Any weeks that you are earning statutory maternity pay - they disregard the first £100 :T

kindofagilr

Thanks for that

Do I just tell them my yearly wage and then tell them I had 13 weeks SMP?

Flipped27

I worked out that I was on maternity leave for 33 weeks in the tax year so deducted £3300 from the taxable pay figure that was on my P60......There should be some guidelines on it on their website I think.....

bestpud

Seems a pretty good set up to me!

Co-own a house with long term partner, so half the mortgage each.

Then you both work full time, but he gets to keep all of his salary to pay off debt, while you top yours up with benefits you undoubtedly would not be entitled to if his income was taken into account.

You may not have had children for what you can get out of the system, but you don't seem to have worried about finances beforehand either!

I will be shot down in flames for this, no doubt, but I'd say you are a benefit cheat! You are claiming benefits a as single person and you clearly are not - that is fraud!

galvanizersbaby

bestpud wrote: »

Seems a pretty good set up to me!

Co-own a house with long term partner, so half the mortgage each.

Then you both work full time, but he gets to keep all of his salary to pay off debt, while you top yours up with benefits you undoubtedly would not be entitled to if his income was taken into account.

You may not have had children for what you can get out of the system, but you don't seem to have worried about finances beforehand either!

I will be shot down in flames for this, no doubt, but I'd say you are a benefit cheat! You are claiming benefits a as single person and you clearly are not - that is fraud![/QUOTE]

Don't beat around the bush Bestpud! -I am not certain if this is fraud or not?
Doesn't not living together in co-owned property mean that the OP is entitled to claim tax credits as a single parent?
However I recall something I read on here re being considered a couple if there were joint finances involved?

I don't know enough about the benefit system to say but I would agree with the observation that OP and the 'co-owner' do appear to be 'together' as such

bestpud

galvanizersbaby wrote: »

bestpud wrote: »

Seems a pretty good set up to me!

Co-own a house with long term partner, so half the mortgage each.

Then you both work full time, but he gets to keep all of his salary to pay off debt, while you top yours up with benefits you undoubtedly would not be entitled to if his income was taken into account.

You may not have had children for what you can get out of the system, but you don't seem to have worried about finances beforehand either!

I will be shot down in flames for this, no doubt, but I'd say you are a benefit cheat! You are claiming benefits a as single person and you clearly are not - that is fraud![/QUOTE]

Don't beat around the bush Bestpud! -I am not certain if this is fraud or not?
Doesn't not living together in co-owned property mean that the OP is entitled to claim tax credits as a single parent?
However I recall something I read on here re being considered a couple if there were joint finances involved?

I don't know enough about the benefit system to say but I would agree with the observation that OP and the 'co-owner' do appear to be 'together' as such

It depends on many circumstances so they could well be considered a couple if investigated. But tbh the bit that doesn't make sense is the second child.

These people had a child together two years ago, and they decided to buy a house between them, for the child. That's fair enough I guess and pretty decent of the absent father if they were no longer a couple.

Buuut, they are still together and have now conceived another child, under the same set up...?

And there doesn't seem to be any sign of it being a short term thing either, although I'd like to bet the 'killer loan' is a major factor. The OP says they are not currently living together, and that to me says they are in a relationship but don't cohabit.

If they were no longer 'together' I'd have thought she's have said that?

But, yes, I suppose if he is nothing more than a sperm donor then the OP has the right to claim single parent benefits under our current system.

Perhaps I'm just old fashioned...